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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment (Tables)
 3 Months Ended
Dec. 31, 2014
Tables/Schedules  
Schedule of Allowance for Loan Losses and Recorded Investment

 

The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of December 31 and June 30, 2014, and activity in the allowance for loan losses for the three- and six-month periods ended  December 31, 2014 and 2013:

 

 

At period end for the six months ended December 31, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$2,462

$355

$4,143

$519

$1,780

$9,259

  Provision charged to expense

340

206

381

229

533

1,689

  Losses charged off

(11)

-

-

(38)

(19)

(68)

  Recoveries

9

-

40

26

3

78

  Balance, end of period

$2,800

$561

$4,564

$736

$2,297

$10,958

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$2,800

$561

$4,564

$736

$2,297

$10,958

  Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$370,099

$32,238

$384,545

$48,142

$170,294

$1,005,318

  Ending Balance: loans acquired with deteriorated credit quality

$4,077

$2,523

$12,128

$195

$1,106

$20,029

 

For the three months ended December 31, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$2,676

$517

$4,175

$570

$2,172

$10,110

  Provision charged to expense

123

44

367

185

143

862

  Losses charged off

-

-

-

(20)

(18)

(38)

  Recoveries

1

-

22

1

-

24

  Balance, end of period

$2,800

$561

$4,564

$736

$2,297

$10,958

 

At period end for the six months ended December 31, 2013

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$1,810

$273

$3,603

$471

$2,229

$8,386

  Provision charged to expense

330

151

253

31

29

794

  Losses charged off

(23)

-

(70)

(17)

(13)

(123)

  Recoveries

14

-

1

11

1

27

  Balance, end of period

$2,131

$424

$3,787

$496

$2,246

$9,084

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$2,131

$424

$3,787

$496

$1,746

$8,584

  Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$500

$500

 

For the three months ended December 31, 2013

(dollars in thousands)

Residential

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$1,957

$290

$3,738

$498

$2,311

$8,794

  Provision charged to expense

170

134

57

1

(66)

296

  Losses charged off

(9)

-

(8)

(9)

-

(26)

  Recoveries

13

-

-

6

1

20

  Balance, end of period

$2,131

$424

$3,787

$496

$2,246

$9,084

 

June 30, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, end of period

$2,462

$355

$4,143

$519

$1,780

$9,259

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$2,462

$355

$4,143

$519

$1,780

$9,259

  Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$302,111

$21,477

$307,253

$35,223

$140,957

$807,021

  Ending Balance: loans acquired with deteriorated credit quality

$1,790

$-

$1,267

$-

$115

$3,172